Covertree’s Comprehensive Guide!
The overall value of the mobile or manufactured home, including any upgrades or additions, can affect the premium.
The materials and quality of construction can influence how resistant a home is to certain types of damage.
Some insurers use an insurance score, which is similar to a credit score but specifically geared towards predicting insurance losses.
Excessive heat poses a major risk in Florence, Arizona. Overexposure to extreme heat can lead to heat cramps, heat exhaustion, and heat stroke if not properly addressed. An Excessive Heat Warning indicates a period of very hot temperatures, even by local standards.
Take the following actions to lessen the impact of extreme heat:
Recognize the signs and symptoms of heat-related illnesses, such as thirst, muscle cramps, cool and moist skin, headache, dizziness, weakness, and exhaustion.
The most serious heat-related illness is heat stroke, which requires immediate medical attention and may present with symptoms such as vomiting, confusion, throbbing headache, decreased alertness, high body temperature, rapid pulse and breathing, and seizures. Heat stroke can be deadly.
Thunderstorms are a weather risk in Florence, Arizona. Lightning and heavy rainfall are common during thunderstorms. In addition to the general risks associated with thunderstorms (e.g., lightning strikes, strong winds, and flash flooding), mobile home owners may face specific challenges like flooding, where their homes are more susceptible to water damage during heavy rainfall and flash floods than traditional houses due to their design and vulnerability to water penetration.
Microbursts are smaller-scale versions of downbursts. Downbursts occur when strong winds drop to the ground, forcing air to spread out in all directions. Microbursts are visually impressive and can produce intense, localized wind gusts. Although microbursts are not as well-known as tornadoes, they can still cause significant damage. When experienced alongside thunderstorms with lightning, microbursts can create a visually stunning and potentially dangerous weather phenomenon.
Some policies offer inflation protection, which automatically adjusts your coverage limits each year to account for inflation. This ensures that you always have adequate coverage as the value of your home and belongings increases over time.
Understand the terms under which you or the insurer can cancel the policy. Some insurers might offer a pro-rated refund if you cancel before the end of the term, while others might have cancellation fees.
Inquire about circumstances under which your rates could increase, such as filing a claim or if there are significant weather events in your area, even if you didn't file a claim.
Depending on your specific circumstances, you may want to consider additional coverage options such as flood insurance, windstorm insurance, or coverage for detached structures or outbuildings. Assess your risks and determine if these additional coverages are necessary.
Review the deductibles and premiums associated with each insurance policy. The deductible is the amount you would have to pay out-of-pocket before the insurance coverage kicks in. Ensure that the premiums are affordable and the deductibles are reasonable for your budget.
Some insurance providers offer discounts if you're a member of certain organizations or groups. Check to see if any affiliations you have might lead to insurance savings.
To apply for a mobile home title, you need to contact MVD and upload the necessary documents in your AZ MVD Now account.
When completing an affidavit of affixture, you will surrender the title(s) of the mobile home to MVD.
MVD will then issue a receipt for the surrender of the title(s).
If you are buying a used mobile home from a company, business, or mobile home park, make sure to receive a business card or other proof that the person who signed the back of the title as the seller is affiliated with that entity.
The Manufactured Housing Division (MHD) of Arizona’s Department of Housing maintains safety standards for these homes that are consistent with the standards put out by the US Department of Housing and Urban Development (HUD). In addition to regulation from HUD and MHD, every mobile home park has its own set of rules. Most require that you obtain a valid mobile home insurance policy, so check with park management for details.
It is crucial to review your policy and consult with your insurance company to identify what is covered, as well as what is not, before deciding which add-ons, endorsements, or riders to add to your policy.
Exclusions eliminate coverage for certain risks that are considered unwanted or already covered by other policies. Some examples of exclusions include:
Earthquakes are a significant exclusion in mobile home policies in Arizona due to the area’s higher susceptibility to earthquakes. It is important for mobile homeowners to understand the coverage limitations in case of earthquake damage.
Arizona has passed a law that forbids cities and counties from enacting or enforcing breed-based dog regulations. This new law aligns with the trend of 20 other states having “BSL-preemption” laws that restrict Breed-Specific Legislation (BSL) at the local level.
Dive into the Thesman lifestyle at Sunrise Village, exclusively designed for Active 55+ living. With newly remodeled homes starting in the $90’s, we prioritize both value and luxury. Our gated enclave boasts a myriad of amenities: a bustling calendar of events curated by our Activity Director, an elegant clubhouse, fitness center, heated pool, and a courtesy shuttle service. Visit Sunrise Village and step into the vibrant life you've always envisioned!
Welcome to Florence Gardens, a picturesque adult community of 1,219 lots, highlighted by a stunning pool area, expansive clubhouse with an annex, and a modern pickleball court. Here, you will find that they prioritize the active lifestyles of their seniors, offering a plethora of seasonal activities for all residents. Their mission is to ensure a financially secure environment, foster unity among owners, uphold community guidelines, safeguard and enhance association properties, and ultimately, boost the value of each owner's property. Dive into a community that truly cares!
Mobile Homes on Main, a prominent sector of a national manufactured home retail company, prides itself on delivering factory-direct, finely crafted homes across the US. With a legacy of decades and thousands of satisfied customers, they are the nation's leading independent manufactured home retailer. Their model village showcases the stellar craftsmanship of the Cavco brand, honored as the MHI manufacturer of the year and reputed since 1965. Catering to Arizona and extending services to California, Utah, New Mexico, and Colorado, they prioritize a streamlined, professional home buying experience, particularly evident in theirr Cavco On-Site Program that simplifies post-delivery procedures.
Sun City Anthem at Merrill Ranch in Florence, Arizona welcomes you to a lively 55+ Active Adult community where resort-style living blends seamlessly with everyday life. Newly constructed homes are set amidst a plethora of amenities: a sprawling 48,000 sq. ft. recreation center, an 18-hole golf course by Troon Golf, and the Anthem Grille to name a few. Residents can enjoy both indoor and outdoor pools, a state-of-the-art fitness center, and a diverse range of clubs and classes. The community boasts an onsite grocery store, hospital, craft rooms, a softball stadium, and an indoor walking track. Whether it's playing pickleball, tennis, or bocce, or participating in crafting, every day is an adventure here.
Caliente Casa De Sol in Florence, Arizona is a tranquil 55+ RV resort retirement community nestled between Phoenix and Tucson. Catering to both the social and fitness needs, this serene haven offers rental spaces for 5th wheels, motor homes, and trailers. Residents can indulge in an array of amenities including a swimming pool, golfing facilities, games room, hiking and cycling trails, and a spa. For those looking for more outdoor activities, there are bushwalking trails, picnic areas, ATV riding paths, and shuffleboard courts. Inside, a pool table awaits enthusiasts. Surrounding the resort are several championship golf courses within a 50-mile radius, catering to the recreational desires of the RV enthusiasts.
Choosing CoverTree’s insurance means you get:
Finding the Best Mobile Home Insurance in Florence, AZ
Florence, AZ and surrounding areas are prone to wildfires. Make
sure your insurance policy includes coverage for wildfire-related damage.
Florence, AZ experiences occasional dust storms
and haboobs that can cause damage to your home. Check for coverage specifically for
these kinds of events.
Monsoon storms can bring flooding, high winds, and
hail, which can cause significant damage to mobile or manufactured homes. It's crucial
to check that your policy has coverage for these hazards.
Arizona has some of the most active faults in the United States,
which makes it necessary to have coverage for potential earthquake damage.
Florence experiences harsh winters
with heavy snowfall. Having coverage for issues like roof collapse due to the weight of
snow or damage from ice dams can be crucial.
Mobile homes in Florence are
susceptible to wind and snow damage. A comprehensive home insurance policy should
include added coverage for these types of damage.
While not common, flooding can occur in Florence
and the surrounding areas. It's important to confirm with your insurance provider
whether or not flood damage is included in your policy.
Hailstorms are another common occurrence in Florence.
Homeowners should make sure their home insurance policy offers protection against
hail damage to avoid high repair costs.
A mobile or manufactured home
insurance policy in Florence should cover personal property in the event of damage or
theft. Homeowners should ensure that their coverage limit is sufficient to protect all of
their possessions.
This coverage can protect homeowners from lawsuits if someone is
injured while on their property.
Ensures that your damaged property is replaced with
new items at current market prices, regardless of their depreciated value.
Covers the cost of temporary living
arrangements if you are unable to live in your mobile home, manufactured home,
prefabricated home, or RV due to covered damages.
Provides coverage for medical expenses if a guest is
injured on your property or in your RV, regardless of fault.
For mobile homes or manufactured homes
that are unoccupied for extended periods, this coverage protects against risks
associated with vacant properties, such as vandalism or theft.
Offers assistance if your RV breaks down
while on the road, including towing, battery jump-starts, fuel delivery, and locksmith
services.
Provides an extra layer of liability protection beyond the
limits of your underlying mobile home, manufactured home, prefabricated home, or RV
insurance policy.
Protects you financially if you
are involved in an accident with a driver who is uninsured or underinsured.
Insurance coverage and requirements may vary between different insurance providers.
It is recommended to consult with an insurance agent or company specializing in mobile
home insurance in Florence, AZ to understand the specific coverage options available
to you. It's important to discuss these specific coverage needs with your insurance
provider, as they will have a better understanding of the risks associated with Florence,
AZ, and can tailor a policy that meets your unique requirements.
Additional Living Expenses
Trees, shrubs, plants and lawns
Debris Removal
Emergency Removal Service and Emergency Repair after a loss
Credit Card and Check Forgery
Fire Department Service
Food Spoilage coverage
Personal Injury Protection coverage
Locksmith coverage
Golf Cart coverage
References:
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
CoverTree operates in the state of California (CA) as MHTree Insurance Services with CA license# 6009070.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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